VTILX vs XLE
Vanguard Total International Bond II Index Fund Class Institutional vs State Street Energy Select Sector SPDR ETF
Quick Verdict
VTILX has a lower expense ratio. XLE delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VTILX | XLE | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.08% | |
| AUM | $141.9B | $40.0B | |
| Dividend Yield | 4.19% | 2.55% | |
| Holdings | 7,391 | 24 | |
| YTD Return | -1.38% | +41.58% | |
| 1Y Return | -3.13% | +53.25% | |
| 3Y Return (annualized) | -0.30% | +16.74% | |
| 5Y Return (annualized) | - | +27.23% | |
| Volatility (annualized) | 6.0% | 25.1% | |
| Max Drawdown | -15.3% | -76.7% | |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors | |
| Category | Fixed Income | Equity | |
| Inception | Feb 17, 2021 | Dec 16, 1998 |
VTILX vs XLE Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and State Street Energy Select Sector SPDR ETF (XLE) is a ETF from SPDR State Street Global Advisors. Over the past year VTILX returned -3.13% while XLE returned +53.25%. Year to date, VTILX is down 1.38% versus a gain of 41.58% for XLE.
Over three years, VTILX compounded at -0.30% per year against +16.74% for XLE. Across the full 5-year window we track, XLE has the edge at +7.12% annualized vs -2.90%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XLE has been the more volatile fund, with annualized monthly volatility of 25.1% compared with 6.0% for VTILX. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -15.3% for VTILX and -76.7% for XLE. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.11. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTILX charges 0.07% per year while XLE charges 0.08%. On a $10,000 position that is $7 vs $8 annually, a gap of $1 per year that compounds over a long holding period. On income, VTILX currently yields 4.19% against 2.55% for XLE.
Holdings Overlap
VTILX and XLE share 0 holdings out of 1481 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTILX or XLE?
VTILX has an expense ratio of 0.07% while XLE charges 0.08%. VTILX is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, VTILX or XLE?
Over the past year VTILX returned -3.13% vs +53.25% for XLE, so XLE leads on 1-year performance. Over the longest common window we track (5 years), VTILX annualized -2.90% vs +7.12% for XLE. Past performance does not guarantee future results.
Which is riskier, VTILX or XLE?
XLE has been the more volatile fund at 25.1% annualized versus 6.0% for VTILX. Worst drawdown: VTILX -15.3% vs XLE -76.7%.
Should I hold both VTILX and XLE?
VTILX and XLE have a monthly-return correlation of 0.11, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTILX and XLE?
VTILX and XLE share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1481 unique securities.
Which pays a higher dividend, VTILX or XLE?
VTILX yields 4.19% while XLE yields 2.55%, so VTILX currently pays the higher dividend yield.
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